If you are not planning on overclocking, any aftermarket cooler will just be the added cherry on top. You would already be fine with using the stock but you will notice lower temps and less noise when going aftermarket so that's an added plus.

It really depends on what you do with your computer.
Do you play games? Do you render videos?
If your CPU is often under high stress and high temperatures, I would get an aftermarket cooler. The stock cooler is "just enough."

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I get CAPTCHA'd about 1/3 the time, but I think that has more to do with my posting pattern. In other words, I don't think I have to reverify if I'm posting in multiple threads in relatively quick fashion.